Irion Insurance

Disability insurance services

You rely on your paycheck. Disability insurance can help protect it. If you’re totally disabled due to sickness or injury and can’t work, disability insurance offers coverage that can provide money to help pay your mortgage, rent, car loans, and other monthly expenses. It may also help prevent using your retirement or education savings if you can’t work. 

Protect Your Income with Disability Insurance Coverage

Individual disability insurance can be ideal for anyone who doesn’t receive disability insurance through work. It’s also an option for high earners looking for extra coverage. Not only can you buy this policy on your own, it also stays with you even if you change jobs.

As the name indicates, short term disability insurance is intended to cover you for a short period of time following an illness or injury that keeps you out of work. While policies vary, short term disability insurance typically covers you for a term somewhere between 13-26 weeks and can replace anywhere from 40-70% of your income during that benefit period.

Types of disability insurance we provide to everyone

Why choose us as your agent?

Insurance can be a complicated purchase. You’re buying a promise of protection that could potentially make or break your financial well-being. How do you know that you’re making the right choices about coverage? Are you sure you’re getting the best possible value for your dollar?  We’ve seen first-hand how the advice and advocacy of agents benefit our policyholders. We are local and independent.

  • As the name indicates, short term disability insurance is intended to cover you for a short period of time following an illness or injury that keeps you out of work. While policies vary, short term disability insurance typically covers you for a term somewhere between 13-26 weeks and can replace anywhere from 40-70% of your income during that benefit period.
  • On the other hand, long term disability is intended to provide benefits for a longer period, and benefit periods for long term disability insurance are usually stated in years: 5, 10, 20, or even until you reach retirement age, depending on your plan.